Is this the sound of a bad wheel bearing or transmission ?

Wheel bearings will change sound when weaving side to side if they are bad. For example if you have a bad bearing on the left side it will get louder when you turn right and maybe just a little more noisy than going straight when you turn to the left. Bad bearing in the transmission won't change with direction of turning.

 

At 81K I would hope not to have a bad wheel bearing or a bad transmission bearing. That is annoying now and almost sounds like a belt in the tire

 

First it is extremely unlikely to be a bad CVT. The bearing scenario is more likely especially if it comes from one of the 4 wheels.

Get another person to drive, then seat on the back and identify where it is coming from. Climb as needed and turn your head until you identify where the noise is coming from

 

It's a generation 2 so just the year factor alone puts you in the realm of thinking about wheel bearings they're not that expensive I mean if you want to buy the factory original Toyota ones for 180 bucks a pop or whatever it is I say be my guest I'm running TRQs about $39 a pop got a few years on a couple of them pretty uneventful as fast as they are to change I'll pay the 39 to 50 bucks or something like that I am not paying $160 or whatever it is 139 180 no sir matter of fact I keep a set of hubs with new bearings bolted in them and new lower ball joints sitting in the corner of the shop for Gen 2 and Gen 3 which the Gen 3's I got to get rid of because we no longer partake so no need to hold on to those kinds of parts that way there when you're going to go change your struts or what have you You can just slide those new hub assemblies right up to your drive axles and drop them on the lower control arms and tighten up all the bolts and maybe 35 minutes aside No problem so just the fact that the cars you know almost 20 years old if it's a generation 2 just the amount of years you're there to heck with what the mileage is it should be over 100,000 but just because it's 89K and right at 20 years old just the age factor alone makes sense to be looking at the wheel bearings and struts and things that your kidneys and rear end will feel.

 

Wheel bearings can be ventriloquists. Tough to spot the noisy one(s) with road testing only, much better to lift the car and spin the wheels by hand while listening for that clickety-tickety signature.

For the toughest cases you use a set of Chassis Ears (name of the tool) combined with a test drive. Not all shops have that toolkit.

I agree with Aegean that bad transaxle is very unlikely. Meanwhile we've already had one wheel bearing go bad in our car, less than 75k miles at that time.